2345 McMichael Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2345 McMichael Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1982
Square Footage	2,214 sqft Heated Area
Lot Size	196,020 sqft (4.5 acres)
Occupancy	Owner Occupied
Last Sale	$180,000 (2012)
Tax Bill	$3,516.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`90928`
Alternative APN	`152531426000010295`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	2,214 sqft Heated Area
Gross Area	2,808 sqft Gross Area
1st Floor	2,214 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1982
Exterior Material	Vinyl Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	196,020 sqft (4.5 acres)
Depth X Width	630 ft x 310 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	576 sqft Garage
Porch	Open Porch
Porch Area	18 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	90928
Street Address	2345 MCMICHAEL RD
City	SAINT CLOUD
State	FL
Zip	34771-7757
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NEW MAP NARCOOSSEE PB 1 PG 073 N 1/2 LOT 29 LESS W 27 FT FOR RD R/W
Legal Range	31E
Legal Township	25S
Legal Section	15
Legal Subdivision	NARCOOSSEE NEW MAP EAST
Legal Tract	4260
Legal Block	1
Legal Lot Number	29
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1012
Census Tract	43700

Owner

Source: Osceola County records · APN 90928

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2345 MCMICHAEL RD, SAINT CLOUD, FL 34771-7757
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 13, 2012 · Amount on Record
Deed Sale	Feb 13, 2012 · Amount on Record
Prior Sale	Nov 18, 2009 · Amount on Record
Deed Doc Number	2012021101
Deed Book / Page	4231 / 0768
Record Refreshed	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2345 MCMICHAEL RD, SAINT CLOUD, FL 34771-7757
Transaction Type	Mortgage
Record Updated	Jun 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 MCMICHAEL RD, SAINT CLOUD, FL 34771-7757

Mortgage

Document Number	0068990113
Date	Dec 29, 2025
Book Page	6899/113
Instrument	2025157306

Lender

Name	FIFTH THIRD BANK CENTRAL FLORIDA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 25, 2055

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,516.00 (+7.69%) Homeowner's exemption	$243,223 (+5.99%)	$546,000 (+45.25%) Land $270,000 Building $276,000
2023	$3,265.00 (+4.35%) Homeowner's exemption	$229,485 (+3%)	$375,900 (+10.43%) Land $147,600 Building $228,300
2022	$3,129.00 Homeowner's exemption	$222,801	$340,400 Land $147,600 Building $192,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Very High above 91% of the US · above 86% of Florida
Wildfire Likelihood	About 1 in 98 per year
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values are read at the parcel center point; lenders make the official flood determination.